California FHA Loans | C2 Financial Corporation

Who qualifies for FHA loans?

First-time home buyers. First-time buyers are traditionally seen as risky investments by mortgage lenders, but with the FHA backing you up, you have a chance to purchase your dream home. If you qualify, your down payment could be as low as 3.5% of the total price of the home.
Seniors looking for a reverse mortgage. If you are 62 or older and currently live in a home that you own outright or are close to owning outright, you may qualify for an FHA reverse mortgage. This allows you to convert some of your home equity back into cash to pay your other bills.
Home owners looking to make improvements. If you have plans to improve the energy efficiency of your home, you may qualify for an FHA Energy-Efficient Mortgage.

san jose fha loans

FHA Loans: Low Down Payments, Easy Qualifying

Looking for a way to save money on your San Jose home? San Jose may be an incredible place to live, but it can be a very expensive one too, and nowhere is that more obvious than in the housing market. If you’re searching for a competitive, low down payment, government-guaranteed program, this is it.

FHA Loan Rate Qualifier

What is an FHA loan? This is a special type of mortgage which is insured by the Federal Housing Administration, an agency that operates as part of the U.S. Department of Housing and Urban Development (HUD). FHA loans protect San Jose mortgage lenders dealing with customers who are deemed risky. That way lenders are more willing to work with those customers instead of leaving them out in the cold.

What are the benefits of a San Jose FHA loan?

Low down payments
Easy to qualify for, even without great credit (your score needs to be above 500).
Low closing costs

Who qualifies for San Jose FHA loans?

First-time home buyers. First-time buyers are traditionally seen as risky investments by San Jose lenders, but with the FHA backing you up, you have a chance to purchase your dream home. If you qualify, your down payment could be as low as 3.5% of the total price of the home.
Seniors looking for a reverse mortgage. If you are 62 or older and currently live in a home that you own outright or are close to owning outright, you may qualify for an FHA reverse mortgage. This allows you to convert some of your home equity back into cash to pay your other bills.
Home owners looking to make improvements. If you have plans to improve the energy efficiency of your home, you may qualify for an FHA Energy-Efficient Mortgage.

Shawn Sidhu works with the top FHA lenders in San Jose and across the county, and can help you to get started with an awesome FHA loan. While HUD loans like these can be very helpful, they can also be confusing. Let us review the FHA option for you and discover how you can qualify with less cash to close along with very competitive rates.

Ready to get started? You can contact us at (408) 599-3628, or email us at [email protected]. Reach out to us anytime with questions, or ask us for a free quote. We are here to help. We want your home purchase or renovations to go as smoothly as possible. Customer service is our top priority, and we enjoy building long-term relationships with our clients. We look forward to assisting you!

FHA Loan Rate Qualifier

C2 Financial Corporation - Shawn Sidhu

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5.0

Based on 89 reviews

Ed Stojancevich

13:11 27 May 20

Shawn is a top notch, nationally recognized mortgage broker. He has a track record of successfully helping clients choose the best mortgage programs possible. He’s knowledgeable and takes amazing care of his clients. He has access to numerous loan programs and low rates! I highly recommend Shawn! He’s the best!

Christina Harmes, CRMP

01:55 27 May 20

Shawn and his team are so responsive and knowledgeable. I have referred a few people to him over the years and they raved about what a good experience it was and what an expert he is as he gave them strategies and advise they wouldn't have considered otherwise. It's my pleasure to highly recommend Shawn.

Julie Perry

00:12 22 May 20

We have refinanced with Shawn multiple times over the years and we wouldn't go to anyone else for our financial needs. Shawn is very knowledgeable and efficient with the process. He also walks you through everything and answers any and all questions. I'm not one to trust easily when it comes to money but I definitely have built a comfort level with him over the years! I recommend him and his team hands down.

Jon Ochoa

03:31 19 May 20

Shawn came highly recommended from a friend of mine. He lived up to the recommendation and then some. Shawn and his team were so great to work with they made the process of refinancing our home so painless and easy. They were patient with all of our questions and made themselves available whenever we needed them. Really top notch service.

Chris C.

20:07 11 May 20

I've worked with Shawn and his team on several re-fi's over the the last 10 years and he has always been terrific to work with. When I see interest rates...

Patrik Jonsson

01:06 08 May 20

We have the best experience with Shawn starting with the purchase of our first home over 15 years ago. If you need someone that keeps an eye on your personal situation and notify you when it's in your personal interest to refinance Shawn is one of the best. If you feel like your missing out on low interest rates, make sure to reach out to Shawn ASAP.

Nirav S.

20:02 30 Apr 20

What shall I say about Shawn and his team: My wife and I would think they are the "Avengers" of the lending world.This is my 2'nd Mortgage with Shawn. We...

Pamela Buchanan

01:03 26 Apr 20

Excellent! The refinance on my home mortgage was a breeze with the professional expertise of Shawn Sidhu and crew with C2 Financial Corporation. I was kept well informed throughout the process, and questions were answered promptly in a very friendly manner. The loan funded as targeted on April 23, 2020.

Kelly M.

18:30 22 Apr 20

I have worked with Shawn more than once for mortgage loans. He not only got us great rates, but he is responsive and always answers my questions. I highly...

N P

01:31 15 Apr 20

Shawn and his team were really good at communicating throughout the refi process. Everyone went above and beyond to make sure the process was smooth for us. We used an online portal for managing all the document sharing etc, which made it pretty easy. He was able to provide competitive offers vs. other brokers saving us money. I'd happily work with him in the future as well.

Mark S.

22:50 14 Apr 20

We were very pleased with the work Shawn and Emily did to secure a loan for us for our first home, especially in the midst of all the COVID-19 shutdowns...

John C.

19:39 14 Apr 20

This is my 4th Mortgage with Shawn 'the man' Sidu. He's a star and can do what others can only dream of!

Lu M.

20:21 10 Apr 20

We were very fortunate to find Shawn and his team early March right before the you-now what hit the fan with the Covid-19 pandemic. We were looking to...

David Anthony

00:04 27 Mar 20

I couldn’t be more pleased that I chose to use Shawn Sidhu from C2 Financial Corporation for my home refinance. The whole process was smooth and easy. They have a great online portal which make it very clear which documents are required and when and the level of communication and guidance was exceptional from Shawn and his team. I always knew exactly what was going on and was easy to reach him if I didn’t. I would use them again and thoroughly recommend them to any friends or family looking to do the same.

David A.

17:11 26 Mar 20

I couldn't be more pleased that I chose to use Shawn Sidhu from C2 Financial Corporation for my home refinance. The whole process was smooth and easy. They...

Ravi M.

00:05 10 Mar 20

https://getaquote.fyi has some recent great reviews about C2 as well as what quotes other people are getting

edward uy

06:16 25 Feb 20

I just closed my 1st home purchased with Shawn! Shawn started helping me from getting pre approved to agent recommendations few years back and despite challenges and failures he is always available to answer your questions and offer solutions. Our appraisal came in short, as kind of expected, but Shawn despite so busy able to pull it out and still offered different solutions. I'm so happy with what he came up with. I really appreciate his willingness, easy going, on-time, and dedication to do what he can to find and offer the best solutions possible. Glad to have his back!

Edward U.

22:11 24 Feb 20

I just closed my 1st home purchased with Shawn! Shawn started helping me from getting pre approved to agent recommendations few years back and despite...

Daric M.

20:09 11 Feb 20

Shawn and his team did a great refinancing our VA mortgage. They worked through the red tape efficiently and processed the required paperwork efficiently....

Andrew M.

17:09 08 Dec 19

I just completed my 2nd mortgage refinance (3rd mortgage overall) with Shawn. I can't say enough good things about Shawn and his staff. Shawn listened to...

Kari Churchill

17:38 08 Nov 19

It was a pleasure to do business with Shawn. He and his co-workers made sure that my loan application was handled well and quickly. He even helped me restructure the loan so that I could use some of the money to do some remodeling in my new home. It was a pleasure to do business with him.

Kari C.

13:11 07 Nov 19

It was a pleasure to do business with Shawn. He and his co-workers made sure that my loan application was handled well and quickly. He even helped me...

Megan T.

21:49 06 Nov 19

My husband and I had a fantastic experience with Shawn and the C2 team. We didn't have the most straightforward transaction but Shawn handled all the hoops...

Megan

20:32 06 Nov 19

Shawn was absolutely fantastic ! His communication skills were top notch and we couldn’t be happier. He allowed us to close early on a second property. He was able to do some extra research for other loan options on a complicated transaction and without him we wouldn’t have got it done.

Suresh A.

19:51 16 Oct 19

Shawn and Team Simply Awesome!!! Shawn is transparent and upfront in educating you on the options available. Once you opt for what best fits for your needs...

Khyati Patel

03:34 13 Sep 19

This was our second refi with Shawn. The process was smooth and flawless. Shawn got us a great 15Y refi rate!! Shawn and team did a speedy job on closing our loan! Shawn and team replied back to all of our questions via email within a few minutes. Thank you for the great service Shawn and team!! Highly appreciate your professionalism and quick close!!

Khyati P.

20:39 12 Sep 19

This was our second refi with Shawn. The process was smooth and flawless. Shawn got us a great 15Y refi rate!! Shawn and team did a speedy job on closing...

Jennifer Lu

17:48 01 Aug 19

Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very efficient. We are very appreciate of Shawn's partnership in the process!

Jen I.

10:04 30 Jul 19

Shawn did a great job to allow my husband and I to close on an investment property in the bay area. It closed in less than 30 days and the process was very...

Hello T.

16:09 20 Jun 19

Shawn just helped me with refinances on a few of my properties. Prior to this I had got my loans through a bank. Let me tell you the experience was superior...

Anamitra Adhikari

03:35 29 May 19

Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn (for a first time home buyer like me) was that he was always quick to respond to every query we had during the whole process. As a first time buyer, I did not feel any pressure throughout the process, since Shawn took care of the whole thing and made sure that we reach the closing line with ease. I would strongly recommend Shawn for any mortgage loan needs and hope to work with him again during our refinancing.

Anamitra A.

20:36 28 May 19

Shawn and team did an amazing job in making sure that we close our loan in record time! The best part about working with Shawn for a first time home buyer...

John Christopher

04:00 24 Apr 19

Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was proactive at checking in with us. Shawn helped us navigate challenge of getting a Washington state home while our family is currently living in California. We highly recommend Shawn and C2 Financial for making the process painless!!

20:59 23 Apr 19

Working with Shawn was amazing! We closed our mortgage quickly and he was with us every step of the way. He was quick to respond to questions and was...

Ken Fernandez

21:30 13 Mar 19

Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication was exactly what you hope for instead of biting your nails uncertain what to expect. I didn't have time to hand hold, but also needed quick answer to the questions I did have. Shawn had me covered on all fronts and it was a great crossing the finish line on time. Strongly recommend ! I wish he had a brother that works on cars :-)

Ken F.

14:41 13 Mar 19

Shawn and team moved mountains to solution my loan in an extremely short turn-around time. Nothing slipped throughout the entire process and communication...

myda714

04:31 02 Mar 19

We were referred by our realtor to Shawn for the financing of our home purchase. The whole process went very smooth! As stressful as buying a home is, this financing part of the process was easy. The online uploading of docs was straightforward, and we were always kept in the loop about progress and what to expect next. Will definitely keep Shawn and his team in mind for any future needs!

Myda W.

20:34 01 Mar 19

Our realtor referred us to Shawn for the financing of our home purchase. Shawn and his team were very professional and the process was very smooth and easy!...

Elizabeth R Barajas

02:13 10 Jan 19

Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop until he helps you get the best for you. Shawn was available any time we needed to ask a question or when we had any concern. He also offered us a few options to choose from so we had control over our situation from the beginning. I highly recommend you give him a call. Thank you Shawn for all your help. We could definitely not have done it without you.

Eva R.

18:51 08 Jan 19

Shawn is great! He helped us get our mortgage in just 28 days! We couldn't have asked for someone better to work with. He is a go-getter and won't stop...

sophia reyes

01:27 03 Oct 18

I am so grateful to have found Shawn/C2 Financial! Words could not describe how blessed I feel to have found him! I was stuck in a financial situation that was tough for me to get out of, and had spoke to my credit union and one other bank, which advised me I had to wait another year before they were able to fund me. I found Shawn on Yelp, and based on his great reviews, I decided to follow through with him/C2 financial. I spoke to him around mid July and was funded by September! When I had been waiting on my Credit Union for 6 months before I decided to move on somewhere else!(Santa Cruz Credit Union if it means anything to anyone) Although he/it seemed to be a company with lots of clientele NEVER once! did I feel I was second to anybody. Even when he was on vacation he responded quickly to my emails when I really wasn't expecting him to. Shawn is truly a perfectionist in his profession, and a Blessing in disguise for me in my life. I will MOST DEFINITELY recommend Shawn/ C2 Financial to anybody and everybody! I could not thank you enough Shawn! I will definitely be doing business with you again in the near future :) Thank you!Sophia.